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Your guide to the Discover Refer-A-Friend program
Earn up to $500 annually by referring friends and family.
Credit Card Guides
If you own an eligible Discover credit card and want to earn a statement credit reward, consider referring a friend or family member who doesn’t yet have a Discover card. If the person you refer is approved, you both earn a statement credit bonus.
Who can I refer to the program?
You can refer friends and family who don’t have a Discover credit card and have not opted out of receiving Discover marketing materials.
What cards can I refer?
To participate in Discover Refer-a-Friend, you must have one of the following cards:
- Discover it® Miles Travel Credit Card
- Discover it® Cash Back
- Discover it® Student Cash Back
- Discover it® Chrome Gas & Restaurant Card
- Discover it® Chrome for Students
How much cash bonus can I earn?
The rewards you and your referred friend can earn with this program depends on the card you own.
| Your credit card | Referral reward per individual | Maximum referrals per year |
|---|---|---|
| Discover it® Miles Travel Credit Card | $100 | 5 ($500) |
| Discover it® Cash Back | $50 | 10 ($500) |
| Discover it® Student Cash Back | $50 | 10 ($500) |
| Discover it® Chrome Gas & Restaurant Card | $50 | 10 ($500) |
| Discover it® Chrome for Students | $50 | 10 ($500) |
How can I refer a friend?
The process is a simple three steps:
- Log in to your Discover online account.
- Generate a referral link.
- Share your referral link by email or through social media.
If your referral is approved for a Discover credit card, the statement credit reward is posted to your account within one or two billing cycles.
Compare Discover cards to refer
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What to watch out for
Discover Refer-a-Friend comes with restrictions that can prevent you from earning a referral reward, including:
-
Time restrictions.
You can earn a referral reward only if the person you refer applies and is approved by December 31, 2019.
-
Credit card restrictions.
You can’t use the referral program if you own the Discover it® Secured or the Discover it® Business Card.
Bottom line
If your family or friends don’t have a Discover card yet, you can both earn a one-time reward after they apply and are approved for a card through your personal referral link.
If you’d rather earn rewards without the hassle of referrals, consider applying for a credit card with a generous signup bonus.
Frequently asked questions
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